Oshkosh, WI · Charter 66777
NCUA · 20 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
25
Asset Quality
83
Profitability
27
Liquidity
85
Efficiency
27
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Oshkosh, WI · Charter 66777
NCUA · 20 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.34% | 0.39% | 0.59% | 0.51% | +23 bps | |
| Return on Equity | 3.00% | 3.58% | 4.16% | 6.14% | 5.18% | +218 bps | |
| Net Interest Margin | 2.65% | 2.77% | 2.79% | 3.04% | 3.14% | +49 bps | |
| Efficiency Ratio | 85.81% | 83.65% | 81.87% | 75.85% | 77.26% | -856 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.90% | 1.08% | 4.56% | -0.10% | -1.52% | -542 bps | |
| Loan Growth (YoY) | -0.46% | 0.64% | 0.20% | 1.81% | 1.30% | +176 bps | |
| Share Growth (YoY) | 5.89% | 2.58% | 5.11% | 2.56% | 1.76% | -413 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 0.37% | 0.35% | 0.36% | 0.38% | -7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.22% | 9.42% | 9.40% | 9.68% | 9.84% | +62 bps | |
| Net Worth / Assets | 9.22% | 9.42% | 9.40% | 9.68% | 9.84% | +62 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.27% | 86.23% | 84.77% | 84.16% | 84.89% | -38 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Oshkosh, WI · Charter 66777 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 20 branches
Q2 2026
Return on Assets
0.51%
Rank 342 of 435
Net Interest Margin
3.14%
Rank 291 of 435
Efficiency Ratio
77.26%
Rank 318 of 435
Equity / Assets
9.84%
Rank 325 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 0.55% | 0.81% | 1.14% | Beats 21% | 342 / 435 | |
| Return on Equity | 5.18% | 5.12% | 7.41% | 9.70% | Beats 26% | 322 / 435 | |
| Net Interest Margin | 3.14% | 3.01% | 3.39% | 3.75% | Beats 33% | 291 / 435 | |
| Efficiency Ratio | 77.26% | 65.25% | 71.39% | 77.86% | Beats 27% | 318 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.38% | 0.45% | 0.69% | 1.05% | Beats 83% | 77 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.84% | 9.81% | 10.84% | 12.63% | Beats 25% | 325 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.84% | 9.81% | 10.84% | 12.63% | Beats 25% | 325 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.89% | 78.33% | 88.38% | 95.61% | 40th pctl | 259 / 435 | |
| Loans / Assets | 73.95% | 67.69% | 74.58% | 80.80% | 47th pctl | 230 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||